short version, in order: Fantasy, I owe you money, everyone knows, lie, irrational nonsense to cover up that I'm afraid to go look, another fantasy/lie, and fake blustery challenge that I don't have the guts to make in peson because I'm a coward.
...and I don't pay off on bets I lose.
We know.
...but you didn't guess what my surprise is going to be, sweetie. Why not? Are you afraid?
You're going to hate it, but others are going to laugh for weeks.
It'll be fun...for us. Not so much for you.
...and where's my $2000?